UNITED SECURITY BANCSHARE/CA(NASDAQ:UBFO) stock Fundamental Analysis

Fundamental Rating

UBFO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 402 industry peers in the Banks industry. While UBFO is still in line with the averages on profitability rating, there are concerns on its financial health. UBFO is valued correctly, but it does not seem to be growing. UBFO also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year UBFO was profitable.

UBFO had a positive operating cash flow in the past year.

Each year in the past 5 years UBFO has been profitable.

Of the past 5 years UBFO 4 years had a positive operating cash flow.

1.2 Ratios

UBFO has a better Return On Assets (1.41%) than 88.31% of its industry peers.

The Return On Equity of UBFO (13.31%) is better than 87.81% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.41%
ROE	13.31%
ROIC	N/A

ROA(3y)1.35%

ROA(5y)1.13%

ROE(3y)13.81%

ROE(5y)11.49%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

UBFO has a Profit Margin of 32.40%. This is amongst the best in the industry. UBFO outperforms 86.57% of its industry peers.

In the last couple of years the Profit Margin of UBFO has declined.

UBFO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	32.4%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.48%

PM growth 5Y-4.26%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UBFO does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for UBFO has been increased compared to 1 year ago.

The number of shares outstanding for UBFO has been increased compared to 5 years ago.

Compared to 1 year ago, UBFO has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of UBFO is 2.19, which is a good value as it means it would take UBFO, 2.19 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 2.19, UBFO perfoms like the industry average, outperforming 54.98% of the companies in the same industry.

A Debt/Equity ratio of 0.34 indicates that UBFO is not too dependend on debt financing.

UBFO has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: UBFO underperforms 69.90% of its industry peers.

Even though the debt/equity ratio score it not favorable for UBFO, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	2.19
Altman-Z	N/A

ROIC/WACCN/A

WACC10.99%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for UBFO have decreased strongly by -25.57% in the last year.

The Earnings Per Share has been decreasing by -0.69% on average over the past years.

UBFO shows a decrease in Revenue. In the last year, the revenue decreased by -6.05%.

The Revenue has been growing slightly by 3.91% on average over the past years.

EPS 1Y (TTM)-25.57%

EPS 3Y13.36%

EPS 5Y-0.69%

EPS Q2Q%-54.02%

Revenue 1Y (TTM)-6.05%

Revenue growth 3Y9.72%

Revenue growth 5Y3.91%

Sales Q2Q%-20.23%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

UBFO is valuated reasonably with a Price/Earnings ratio of 10.73.

Based on the Price/Earnings ratio, UBFO is valued a bit cheaper than 70.65% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.35, UBFO is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.73
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, UBFO is valued cheaply inside the industry as 81.59% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.73
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.12%, UBFO is a good candidate for dividend investing.

UBFO's Dividend Yield is rather good when compared to the industry average which is at 3.37. UBFO pays more dividend than 89.30% of the companies in the same industry.

UBFO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	5.12%

5.2 History

On average, the dividend of UBFO grows each year by 10.41%, which is quite nice.

UBFO has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of UBFO decreased in the last 3 years.

Dividend Growth(5Y)10.41%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

45.95% of the earnings are spent on dividend by UBFO. This is a bit on the high side, but may be sustainable.

DP45.95%

EPS Next 2YN/A

EPS Next 3YN/A

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UNITED SECURITY BANCSHARE/CA

NASDAQ:UBFO (3/7/2025, 8:00:01 PM)

9.23

-0.14 (-1.49%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23

Earnings (Next)04-16 2025-04-16

Inst Owners32.49%

Inst Owner Change11.74%

Ins Owners21.24%

Ins Owner Change3.08%

Market Cap160.23M

Analysts0

Price TargetN/A

Short Float %0.24%

Short Ratio1.28

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.12%

Yearly Dividend0.46

Dividend Growth(5Y)10.41%

DP45.95%

Div Incr Years2

Div Non Decr Years2

Ex-Date01-02 2025-01-02 (0.12)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	10.73
Fwd PE	N/A
P/S	2.94
P/FCF	7.73
P/OCF	7.34
P/B	1.21
P/tB	1.25
EV/EBITDA	N/A

EPS(TTM)0.86

EY9.32%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.19

FCFY12.94%

OCF(TTM)1.26

OCFY13.63%

SpS3.14

BVpS7.65

TBVpS7.39

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.41%
ROE	13.31%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.4%
GM	N/A
FCFM	37.99%

ROA(3y)1.35%

ROA(5y)1.13%

ROE(3y)13.81%

ROE(5y)11.49%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.48%

PM growth 5Y-4.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	2.19
Debt/EBITDA	N/A
Cap/Depr	76.18%
Cap/Sales	2.02%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	117.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC10.99%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-25.57%

EPS 3Y13.36%

EPS 5Y-0.69%

EPS Q2Q%-54.02%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-6.05%

Revenue growth 3Y9.72%

Revenue growth 5Y3.91%

Sales Q2Q%-20.23%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-6.42%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-6.4%

OCF growth 3YN/A

OCF growth 5YN/A

UNITED SECURITY BANCSHARE/CA (UBFO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens